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Property Type: Detached HouseOwnership: Freehold
735 KARLSFELD ROAD
Waterloo, ON N2T2W4
MLS® X13600694
$990,000
4 bed3.5 bath4 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 34 x 128 FT
- Frontage
- 34 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,359.23
Interior
- Basement
- Unfinished, Walk out, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Laundry room | Basement | — |
| Dining room | Main level | — |
| Family room | Main level | — |
| Kitchen | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
| Bathroom | Second level | — |
| Recreational, Games room | Basement | — |
Description
Nestled in the heart of Clair Hills, this bright and spacious home offers the perfect blend ofcomfort, nature, and community. Located just steps from scenic walking trails and a charmingneighbourhood park, the area is known for a very friendly, respectful atmosphere and top-ratedschools.This well-designed two-story home features an open-concept layout with 4 bedrooms, 3 bathrooms,and a 2-car garage plus a double driveway accommodating up to 4 vehicles.The main floor is ideal for both everyday living and entertaining. A generous living and diningarea flows seamlessly into a warm and inviting family room with large windows and a cozy gasfireplace. The kitchen offers ample cabinetry, an open connection to the family room, and apleasant view right from the kitchen sink window.Step outside to enjoy a southwest-facing deck overlooking the open area - perfect for relaxingevenings and sunsets.Upstairs, you'll find four spacious bedrooms, each with a good size closets. The primary suite features abundant natural light, a walk-in closet, and a private ensuite bathroom complete with a tub, separate shower, and oversized vanity.Unfinished basement has big windows and walk-in backyard entry, good for storage or as a fitness equipment room.Conveniently located just minutes from major amenities including Costco and T&T Supermarket, as well as top institutions such as University of Waterloo and Wilfrid Laurier University.This home is ideal for families seeking space, comfort, and a peaceful, nature-connected lifestyle. (id:63159)
Listing Information
- MLS®
- X13600694
- Data last synced
- September 15, 2026
SKYBOUND REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SKYBOUND REALTY
MLS® Number: X13600694
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Waterloo average
$436/sqft
188 active listing(s)
Parking: 4 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Density:
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Mortgage & Ownership Cost Calculator
Minimum required: 7.5% ($74,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$792,000.00
Periodic payment — Principal & Interest (monthly)$5,109.72
Additional monthly expenses (condo fees, tax, utilities, etc.)$529.94
Total monthly cost$5,639.65
Interest paid over 5-yr term$226,989.48
Balance at end of term$712,406.56
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$74,000
Stress test qualifying rate8.19%
Payment you must qualify for$7,102.43
Cash Needed at Closing
Minimum down payment$74,000
Estimated Land Transfer Tax (LTT)$16,275
Legal / closing costs (typical estimate)$1,500
Total cash needed$91,775
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
